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Veterans More Likely to Lose Money to Scams Than Civilians


AARP Survey: Veterans More Likely to Lose Money to Scams Than Civilians

Scambush: Military Veterans Battle Surprise Attacks From Scams and Fraud. New research reveals top scams facing Kentucky’s military community and ways to fight back.

LOUISVILLE, KYKentucky’s 400,000 military veterans and active-duty service members are at risk of being targeted by scammers. According to a new AARP report, veterans, military, and their families are nearly 40% more likely to lose money to scams and fraud than the civilian population. Additionally, 4 out of 5 military/veteran adults were targeted by scams directly related to their military service or the benefits they receive.

“Our research stresses the need for Kentucky’s veterans and their families to stay up-to-date on the latest scams and how to avoid them,” said AARP volunteer Reverend Jim Thurman in Lexington. “AARP Kentucky continues to fight for those who proudly served our state by arming them with information and resources to avoid the financial and emotional impact of scams and fraud.” Thurman also serves as the State Commander of National Association for Black Veterans in Kentucky.

Download - Full Report : Scambush: Military Veterans Battle Surprise Attacks From Scams and Fraud.

Scammers often use military jargon and specific government guidelines to craft an effective pitch to steal money from military members and veterans. One in three military/veteran adults reported losing money to these types of service-related scams. Of those who lost money, the top scams reported include: 

  • Benefit Buyouts: Turning over U.S. Department of Veterans Affairs (VA) pension and/or disability benefits for a supposed lump-sum payment that never materializes (47%).
  • Fraudulent records scam: Paying for updated personal military records (32%).
  • The fake charitable giving request: Donating to fake veteran charities (32%).

    Other key findings include:
  • Military/veteran adults reported losing more money than civilians on the grandparent-impostor scam (more than twice as often) and financial phishing schemes (nearly twice as often).
  • Nearly half of military/veteran adults reported they are not using a robocall blocking service and over 1 in 4 have not registered their phone numbers on the National Do Not Call Registry.
  • 81% of military/veteran adults have not placed a security freeze on their credit report.

Download - Top Scams Targeting Veterans Download PDF

To make scams easier to spot, AARP’s Fraud Watch Network recommends signing up for the National Do Not Call Registry and using a call-blocking service. Additional measures include: using strong and unique passwords for each online account; using two-factor authentication when available; and placing a free security freeze on credit reports at each of the three major credit bureaus. Also, veterans never have to pay for their service records or earned benefits—if told otherwise, it’s a scam.
Operation Protect Veterans—a joint program of the AARP Fraud Watch Network and the U.S. Postal Inspection Service—helps Kentucky’s veterans, service members and their families to protect against fraud. The Fraud Watch Network also offers biweekly fraud alerts and a free helpline (877-908-3360) through which veterans, military and the public can report suspected scams. The AARP Watchdog Alert Handbook: Veterans’ Edition explains 10 ways that con artists target veterans. For more information and resources for veterans on the latest fraud and scams, visit

The AARP Fraud Watch Network also offers biweekly fraud alerts and a toll-free helpline (877-908-3360) through which veterans can report suspected scams.

The survey was administered in August 2021 to a total of 1,660 people: 851 active or former U.S. military respondents and 809 non-military (civilian) adults ages 18 and older using NORC’s AmeriSpeak Internet Panel. The margin of error is 4.40% at the 90% confidence level.

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About AARP 

AARP is the nation’s largest nonprofit, nonpartisan organization dedicated to empowering people 50 and older to choose how they live as they age. With a nationwide presence and nearly 38 million members, AARP strengthens communities and advocates for what matters most to families: health security, financial stability and personal fulfillment. AARP also produces the nation's largest circulation publications: AARP The Magazine and AARP Bulletin. To learn more, visit, or follow @AARP, @AARPenEspanol and @AARPadvocates, @AliadosAdelante on social media.​ 

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